Welcome. 1. Agenda. 2. Ground Rules. 3. Introductions. Bank On It 2
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1 Bank On It
2 Welcome 1. Agenda 2. Ground Rules 3. Introductions Bank On It 2
3 Objectives Identify the major types of insured financial institutions Identify five reasons to use a bank Describe the steps involved in opening and maintaining a bank account Bank On It 3
4 Objectives Describe two types of deposit accounts Identify additional bank services that come with deposit accounts Describe the main functions of the bank customer service representative, teller, loan officer, and branch manager Bank On It 4
5 What Do You Know? What do you know or want to learn about banking services? Bank On It 5
6 Your View of Banks What comes to mind when you hear the word bank? What has been your experience with a bank? Bank On It 6
7 Reasons to Keep Money in a Bank How many of you keep your money in a bank? Why keep your money in a bank? Safety Convenience Cost Security Financial future Bank On It 7
8 Insured Financial Institutions Banks and Thrifts: Are subject to federal and state laws Make loans, pay checks, accept deposits, and provide other financial services Credit Unions: In addition to the above: Are non-profit financial institutions Require a membership to open an account Bank On It 8
9 Open & Maintain a Bank Account 1. Open the account 2. Make deposits and withdrawals 3. Record interest and fees 4. Keep track of your balance Bank On It 9
10 Open a Bank Account Complete account verification process Ask about second chance checking programs if you are unable to open an account Use the Choosing a Bank and a Bank Account Checklist to select services that are right for you Bank On It 10
11 Deposit Deposit: money you add to your account Deposit slip: tells the bank how much money you are adding to your account Note: You may not have immediate use of deposited funds until the bank ensures there are funds at the originating bank. Bank On It 11
12 Balance The amount of money you have in your bank account What is your balance? Description +/- Balance Opening Balance +$100 $100 Bank On It 12
13 Withdrawal Taking money out of your account using checks, withdrawal slip, or ATM Always know how much is in your account! Description +/- Balance Opening Balance +$100 $100 Withdrawal -$20 $80 Bank On It 13
14 Fees Examples include: Monthly maintenance fees Penalty fees Overdraft fees Bank On It 14
15 Balance After Fees Charged Description +/- Balance Opening Balance +$100 $100 Withdrawal -$20 $80 Fees -$4 $76 Bank On It 15
16 Deposit Accounts Examples include: Checking account to pay bills and buy goods Savings account to save money and earn interest You may have transaction and monthly fees. The bank will send you periodic statements. Bank On It 16
17 Bank vs. Check-Cashing Services Check-Cashing Services Check-cashing fees: 4 x $5 = $20 a month $20 x 12 = $240 a year Money order fees: 5 x $1 = $5 a month $5 x 12 = $60 a year Total: $300 Bank Monthly fee: $5 a month $5 x 12 = $60 Box of checks: $18 Total: $78 Savings: $222 Bank On It 17
18 Additional Benefits of a Bank Internet banking access 24 hours, 7 days a week Good credentials for loan applications with responsible use No worries about cash being lost or stolen Bank On It 18
19 Interest A percentage of your balance that the bank pays you for keeping your money at that bank Description +/- Balance Opening Balance +$100 $100 Withdrawal -$20 $80 Fees -$4 $76 Interest +$1 $77 Bank On It 19
20 Non-Deposit Accounts Includes stocks, bonds, and mutual funds Not FDIC-insured; therefore, you may risk losing your investment. Bank On It 20
21 Common Banking Services Direct deposit Automated Teller Machine (ATM) Debit card Loan Money order Money transfer Remittance Stored value card Telephone and online banking Bank On It 21
22 Privacy Notices Explain how your personal financial information is: Shared Protected Under Federal law: Financial institutions must keep personal financial information private. You can stop or opt out of some information sharing. Bank On It 22
23 Opting Out Review privacy notices Limit information credit bureaus can share Opt out of receiving prescreened offers: Call OPTOUT ( ) Visit Bank On It 23
24 Opting Out You cannot opt out completely. Financial companies can provide: Information to firms promoting the company s products or partner products Transaction records to firms providing data processing/mailing services for the company Information about you in response to court orders Your payment history to credit bureaus Bank On It 24
25 Bank Employees Include: Customer Service Representative Teller Loan Officer Branch Manager Bank On It 25
26 Key Points to Remember Ask for help if you do not know whom to talk to at a bank Ask questions until you are clear on all the information Do not sign anything you do not understand Ask for written information to take home to review Use the Choosing a Bank and a Bank Account Checklist to help you choose a bank and the account that is right for you Bank On It 26
27 Summary What final questions do you have? What have you learned? How would you evaluate the training? Bank On It 27
28 Conclusion You learned about: Types of insured financial institutions Basic banking terms How to open and maintain a bank account Differences between banks and check-cashing services Types of accounts Types of banking services Bank employees and their jobs Bank On It 28
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VISA PLATINUM ELITE/VISA PLATINUM SELECT/VISA PLATINUM/VISA PLATINUM SECURE CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit